How to do OSAGO for six months through Sravni.ru: detailed instructions with life hacks

Taking out an MTPL policy for six months instead of a standard year is a popular way to save money if your car is used seasonally or you plan to sell it in the coming months. Aggregator Compare.ru allows you to quickly select a profitable option among dozens of insurance companies, but the process has nuances: not all insurance companies offer six-month policies, and the cost for 6 months is not always exactly half the price of an annual one. This guide contains step-by-step instructions taking into account the current rules of 2026, an analysis of common mistakes and ways to reduce the price without losing coverage.

It is important to understand that semi-annual compulsory motor liability insurance is not a separate type of policy, but a standard contract with a limited period of validity. Insurance companies are not required to provide this option, so Compare.ru First you need to filter offers by deadline. We will show you how to do this correctly, so as not to run into hidden fees or denial of registration. You will also learn in which cases it is more profitable to take out an annual policy with subsequent termination (and when this trick will not work).

Why compulsory motor liability insurance for six months can be more profitable than an annual one

The main advantage of a six-month policy is savings with low intensity of car use. For example, if you only drive in the warmer months or plan to sell the car in 6 months, there is no point in overpaying for a full year. However, there are other advantages:

• 💰 Reducing the burden on the budget: instead of a one-time payment of 10–15 thousand rubles (the average cost of an annual compulsory motor liability insurance in 2026), you pay 5–8 thousand for six months.
• 🔄 Flexibility when changing vehicles: If you are planning to buy a new car, you will not have to cancel your annual policy and lose money on the return.
• 📉 Avoiding tariff indexation: prices for compulsory motor liability insurance are growing annually (in 2026 - by 3–7% compared to 2023). A six-month policy allows you to “fix” current prices.
• 🚗 Test drive for an insurance company: if you are not sure of the reliability of the insurance company, you can check the quality of service for a short period of time.

However, there are also pitfalls. Firstly, not all insurance companies offer semi-annual policies - for Compare.ru their share is about 30–40% of the total number of proposals. Secondly, the cost for 6 months is often not exactly twice as low annual tariff: many insurance companies add a premium for a “short term”. Thirdly, in the event of an accident in the last months of the policy, difficulties with payment may arise (insurers prefer to work with “long-term” clients).

Step 1: Data preparation before registration on Sravni.ru

To avoid wasting time filling out the form, prepare the following documents and data in advance:

• 📄 Car owner's passport (series, number, date of issue, department code).
• 🚗 Vehicle Registration Certificate (CTC) or electronic PTS (number, VIN, make, model, year of manufacture, engine power).
• 🔢 Driver's licenses all persons who will be included in the policy (series, number, date of issue, length of service).
• 📅 Policy start date (you can indicate current or future, but no later than 30 days later).
• 💳 Bank card for payment (Visa, Mastercard, MIR - Compare.ru does not accept cash or e-wallets).

Pay special attention VIN code and power data: an error in even one digit will lead to refusal of registration. If the car is new (less than 3 years old), you will also need to indicate body number and chassis number from PTS. For cars older than 10 years, some insurance companies may request photographs of the vehicle (usually the front and rear with license plates).

Also check if you have any valid discounts for accident-free driving (KBM). If you have previously taken out MTPL, your coefficient should be in the database RSA. You can find it on the website autoins.ru (enter full name, date of birth and driver's license number). On Compare.ru The KBM is updated automatically, but sometimes failures occur - it is better to have the data at hand.

Step 2: Search and filter offers on Sravni.ru

Go to home page Compare.ru/osago and start filling out the form. At the stage of choosing the policy validity period:

1. In the block Insurance period select 6 months (if there is no such option, it means that none of the partner insurance companies offers semi-annual policies for your region or type of vehicle).
2. Specify Start date - today or a future date (but not later than 30 days).
3. In the block Policy type select Electronic (it's faster and cheaper than paper).

After filling in the basic data (make, model, power, drivers), the system will show a list of offers. It is important to sort the results correctly here:

• 🔍 By default, sorting is done by price, but sometimes it’s more profitable to look at SK rating (reliable companies may offer a little more expensive, but with better service).
• ⚠️ Pay attention to bonus-malus ratio (BMR) in the offer card - it must match your real value (check at autoins.ru).
• 📌 Look for the note in the tariff description No limit on the number of drivers (unless you need to enter specific individuals).

Take your time to choose the cheapest offer. For example, some insurance companies (e.g. Consent or Ural Insurance Group) can offer a low price due to limited coverage - for example, without payment for an accident in a parking lot or with a deductible. Such nuances are usually indicated in small print in the “Rate Conditions”.

Which insurance companies most often offer compulsory motor liability insurance for six months?

On Sravni.ru, semi-annual policies are more common among the following insurance companies (as of 2026):

- RESO-Garantiya (offers flexible terms from 3 months)

- Ingosstrakh (often gives a 5–10% discount when ordering through aggregators)

- AlfaInsurance (but requires mandatory linking of a card for payment)

- Tinkoff Insurance (only for bank clients, but with 1–3% cashback)

- VTB Insurance (sometimes offers bonus miles for registration)

Other companies (for example, ROSGOSSTRAKH or SberInsurance) usually work only with annual policies.

Step 3: Filling out the form and checking data

After selecting an insurance company, you will be redirected to their website or form Compare.ru for detailed filling. It is important to avoid mistakes here:

1. Inconsistency between data in PTS and STS: if the registration certificate indicates the power 100 hp, and in PTS - 74 kW, recalculate the exact value (1 kW ≈ 1.36 hp). Rounding up may increase the cost of the policy.
2. Errors in name or date of birth: Even a typo in the middle name will lead to a refusal of registration. Check your passport details.
3. Incorrect driver experience: if you received your license in 2020, but drove without insurance, your driving experience is still counted from the date the driver’s license was issued, and not from the start of driving.

Pay special attention to the block Additional options. Some insurance companies include paid services by default, for example:

• 🚨 Emergency commissioner (+300–500 rub.) - often useless, since under compulsory motor liability insurance payment still occurs through the insurance company.
• 📄 Duplicate policy (+200 rub.) - not needed if you save the electronic version.
• 🔄 Auto renewal - a dangerous option, since after six months the policy may be extended for a year at a new price.

Before payment, the system will ask you to check all the data again. Pay attention to the "Validity" field: some insurance companies indicate the expiration date of the policy not in 6 months, but in 180 days - these are different periods (180 days = ~5.9 months)! If you need exactly a six-month policy, please clarify this point in the support chat.

Policy duration (exactly 6 months or 180 days?)

KBM coefficient (does it match the data on autoins.ru?)

List of registered drivers (are there any extra or missing?)

Email address (the policy will be sent to it)

Marking the absence of additional options (if they are not needed)

Amount to be paid (compare with the original offer on Sravni.ru)

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Step 4: Payment and receipt of the policy

On Compare.ru The following payment methods are available:

Payment method	Commission	Enrollment period	Features
Bank card (Visa/Mastercard/MIR)	0%	Instantly	Cards of any banks are supported
SberPay	0%	Instantly	Only for Sberbank clients
Apple Pay / Google Pay	0%	Instantly	Linked card required
Bank transfer	0–1%	1–3 business days	Longest, but suitable for legal entities

After successful payment you will receive the following email to the specified email:

1. Electronic OSAGO policy in PDF format (be sure to save and print if you require a paper version).
2. Payment receipt - useful for accounting or controversial situations.
3. Instructions for actions in case of an accident (usually comes in a separate letter).

⚠️ Attention: If the email has not arrived within 10 minutes, check your Spam folder or contact support Compare.ru via chat. Sometimes a policy is blocked due to technical errors (for example, if the system suspects fraud due to frequent data changes). In this case, you will have to confirm your identity via video identification.

Common mistakes and how to avoid them

Even when registering through Compare.ru clients often face problems. Here are the most common:

1. Refusal of registration due to data inconsistency. For example, if the PTS indicates the power 98 hp, and you entered 100 hp, the insurance company may cancel the policy. Always check the original documents.
2. Unaccounted discounts or allowances. For example, if you have not indicated that the vehicle is equipped GLONASS or alcohol castle, you can lose up to 5% discount.
3. Registration for the wrong deadline. Some clients confuse "6 months" and "180 days". The difference of 5–7 days can be critical if you are planning to sell the car.
4. Skipping renewal notice. If you have auto-renewal turned on, your policy may automatically renew for a year at the new (higher) price.

Another common problem is no offers for six months. If in your region no insurance company offers this option, you can use a trick:

• 🔄 Checkout annual policy, and after 6 months terminate it with a refund for the unused period. However, not all insurance companies agree to early termination without a good reason (for example, selling a car).
• 📅 Buy a policy at minimum period (3 months), and then extend it for another 3 months. But in this case, you will lose the discount for accident-free driving (KBM is reset to zero upon re-registration).

How to save on compulsory motor liability insurance for six months: 5 working methods

Even when registering through Compare.ru You can further reduce the cost of the policy:

1. Use promotional codes. On the website Compare.ru There are often discounts for new customers (for example, SRVN2026 gives 5–10% cashback). Promotional codes can be found on forums or in telegram channels about car insurance.
2. Apply for a policy at the end of the month. Many insurance companies reduce prices in the last days of the month in order to meet sales targets. The difference can reach 3–7%.
3. Enter a limited list of drivers. If 3+ people are included in the policy, the cost will increase by 20–40%. Limit yourself to 1-2 main drivers.
4. Check KBM on autoins.ru. Sometimes Compare.ru calculates the coefficient incorrectly. If your actual BMR is lower, request a recalculation.
5. Choose an electronic policy. The paper version may cost 200–500 rubles more due to delivery costs.

Also note regional features. For example, in Moscow and St. Petersburg, prices for compulsory motor liability insurance are 15–20% higher than in the regions. If you are registered in one city, but actually live in another, you can try to get a “registration” policy with lower rates. However, this is risky: in the event of an accident, the insurance company may refuse to pay if it turns out that the car was operated in another region.

What to do after registration: checking and storing the policy

After receiving the electronic MTPL policy:

1. Check all the data in the PDF file: full name, policy number, expiration date, list of drivers, car VIN.
2. Save the file to cloud storage (Google Drive, Yandex.Disk) and print a copy (although by law an electronic policy is equivalent to a paper one, traffic police inspectors may require you to show it on your phone screen).
3. Add your policy number to the application Public services Auto or RSA for quick access.
4. Set a calendar reminder 1 month before your policy expires - this will give you time to renew or find a new option.

⚠️ Attention: If you have lost your electronic policy, you can restore it:

• Through your personal account on Compare.ru (section "My policies").
• On the website dkbm-web.autoins.ru (enter your policy number or vehicle VIN).
• By contacting the insurance company (you will need a passport and vehicle data).

If you sell your car before your policy expires, be sure to cancel the contract and get a refund for the unused period. To do this you need:

1. Write an application to the insurance company (a sample is usually on their website).
2. Provide a copy of the purchase and sale agreement.
3. Wait 10–14 days - the money will be returned to the card with which you paid for the policy (minus 23% for “doing business”).

FAQ: Frequently asked questions about MTPL for six months

Is it possible to take out MTPL for six months if I already have a valid annual policy?

No, only one MTPL policy can be valid for one car at a time. If you need a six-month policy, first cancel the current one (with a refund for the unused period), and then apply for a new one. The exception is if you are buying a second car.

What happens if I do not renew my policy after 6 months?

If the MTPL has expired, you cannot drive a car - this is equivalent to having no insurance. The fine for driving without compulsory motor insurance is 800 rubles (Article 12.37 of the Administrative Code). In addition, in the event of an accident, all repair costs will be borne by you.

Is it possible to add a new driver to the policy for six months?

Yes, but there may be an additional fee for this (usually 200–500 rubles). To register the driver, contact the insurance company (through your personal account on their website or office). If a new driver has less than 3 years of experience, the cost of the policy may increase by 20–50%.

How can I get my money back if I change my mind and don’t want the policy?

You can terminate the contract within 14 days from the date of registration (if there were no insured events). To do this, write an application to the insurance company and attach a copy of your passport. The money will be returned to the card minus 23% for “doing business”. If more than 14 days have passed, the money can only be returned when the car is sold or scrapped.

What is the difference between a six-month compulsory motor insurance policy and an annual one, except for the term?

Formally, nothing: coverage, payment limits and conditions are the same. However, in practice, insurance companies may be less loyal to semi-annual policies. For example, in the event of an accident in the last days of the policy, delays in payment may occur (the insurance company will suspect that you specifically took out a short policy before selling the car). Also, some insurance companies do not offer additional options (for example, roadside assistance) for semi-annual policies.